ITI Housing Finance Limited

Note: The interest rates are effective from September 2026, as published by ITI Housing Finance Limited. These are indicative rates; your actual rate depends on your credit profile, loan-to-value ratio and repayment track record. 

• Processing fee: 2.5% + GST on housing loans (3% + GST on non-housing loans), plus a one-time, non-refundable login fee of Rs.2,500 to Rs.5,000 depending on the loan amount. 

• Foreclosure charges: nil to 4% of the outstanding loan amount, depending on the interest type, loan purpose and sanction date, effective from 1 January 2026. 

Features and Benefits of ITI Housing Finance Limited Home Loan

Let us have a look on some of the features and benefits of ITI Housing Finance Limited Home Loan:

• Minimum documentation - Streamlined application process requires only essential KYC and property papers.
  
• Faster loan approval - Simplified credit assessment and minimal paperwork ensures a quick sanctioning loan application.
• Income proof is not mandatory - Specialized schemes available for applicants with low income who may not have formal salary slips or ITR documents.
  
• Doorstep Service - Emphasis on personalized service with assistance at the customer's location. 

ITI Housing Finance Limited Home Loan Products

ITI Housing Finance Limited currently offers four home loan products: a standard Home Loan, a Purchase of Land & Construction loan, a Home Equity Loan Against Property (LAP), and a Balance Transfer & Top-up facility. Specific loan amount, tenure and LTV limits are assessed individually for each applicant rather than published as fixed ranges. 

Home Loan 

A secured loan to purchase or construct a residential property, repaid through EMIs over a tenure agreed with ITI Housing Finance Limited based on the applicant's profile. 

Purchase of Land & Construction 

Funds the purchase of a residential plot and the construction of a home on it, with the loan disbursed in phases as construction progresses. 

Home Equity - Loan Against Property (LAP) 

Lets you borrow against the market value of an existing residential or commercial property for renovation, debt consolidation, business needs or other planned expenses. 

Balance Transfer & Top-up 

Moves an existing home loan from another bank or NBFC to ITI Housing Finance Limited for better terms, with the option of an additional top-up loan over the transferred balance.

Documents Required to Apply for ITI Housing Finance Limited Home Loans 

There are certain documents that need to be submitted to complete the application process for home loans: 

1. Duly filled application form with photographs and signature of the applicant/co-applicant, and guarantor. 
2. Identity proof documents. 
3. Address proof documents. 
4. Income proof documents. 
5. Property-related documents. 

For the complete list of documents to be submitted, please check the Application Form. 

Document Check List: Home Loan Document Required

How to Apply for ITI Housing Finance Limited Home Loans

You can apply for ITI Housing Finance Limited online through their website or visit their branch.  

1. Online Application: Visit the ITI Housing Finance website and fill out the online form to get an instant callback or request a loan expert to visit you. 
2. Branch Visit: Walk into any ITI Housing Finance branch to submit your application and self-attested KYC documents. 
3. Phone Application: Call ITI Housing Finance Limited's customer care number, (022) 4027 3600, or write to contactus@itihousing.com.
4. Registered & Corporate Office: ITI House, 36, Dr. R K Shirodkar Marg, Parel, Mumbai 400012, Maharashtra.  

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